Companies issue company credit/debit cards to their employees. The employees usually would have no connection with the bank, just like my wife's cousin in Phil.Originally Posted by gWaPito
Unless someone insists I would rather not spend a lot of time explaining the UK legal position. Please just take my word (former DCI ) that it is not illegal.
My husband did the same , he left his nationwide debit card with me in the PH ...no problems until the Nationwide starts charging for purchases and cash machines withdrawal http://www.nationwide.co.uk/current_...ansactions.htm
thats why we switched to BPI and PNB
''Don't be serious..Be Sincere''
My company credit card has my name on it and its agreed with the card issuing company that i can use.
But if i used a card which was say issued to you even with your permisson it may not be illegal but it would be against the terms and conditions of the majority of cards I have seen it appears if the card issuing company which to uphold for some reason.
If you were to get an additional card for a person and its registered in their name there should be no problems although they may only issue to UK residents.
Again whether criminal law is broken is one thing but breaking terms and conditions of an agreement you sign with the card issuing company may leave u in a spot of bother in certain situations.
Also the companies may ask if payments keep being made abroad to check with you for security reasons.
Again many people get away with things but doesn't mean if the card issuing company want to they cant say you have broken the agreement if it suits them or comes to their attention..
Again would you write to your Bank and declare your son has been using your cheque book for the last 24 years? If he has been using your signature then i would think that was fraud surely?
Oh lord why did you make so many clothes and shoe shops
Well put, Somebody. Much better than me. I tried to give you a rep. Apparently ive dished out too many. Ill try again tomorrow.
[QUOTE=[I]somebody;287975.......................... Again whether criminal law is broken is one thing but breaking terms and conditions of an agreement you sign with the card issuing company may leave u in a spot of bother in certain situations.
Again many people get away with things but doesn't mean if the card issuing company want to they cant say you have broken the agreement if it suits them or comes to their attention..
Again would you write to your Bank and declare your son has been using your cheque book for the last 24 years? If he has been using your signature then i would think that was fraud surely?[/I][QUOTE]
I have not told my bank about my son signing my cheques as yes I am fairly sure they would object, however, as I said I have told them both on the phone and in emails about one of my cards being used in Phil by a relative. I even used this as part of my complaint when they stopped Cash Cards being used abroad to draw cash from ATMs. No problem arose.
RE the law.
I really did not what to explain the law. However, very simply :
Section 1 of the Fraud Act 2001:- In each case, the Defendant's conduct must be dishonest and his intention must be to make a gain, or cause a loss or the risk of a loss to another.
My son signing my cheques may be considered dishonest as the bank are being deceived into thinking it is my signature, however, vitally the intention must be to make a gain.
Without both parts, there is no offence.
Under the Counterfeiting and Forgery Act 1981
The offence of forgery. A person is guilty of forgery if he makes a false instrument, with the intention that he or another shall use it to induce somebody to accept it as genuine, and by reason of so accepting it to do or not to do some act to his own or any other person’s prejudice.
Again, whilst the cheque would probably be a false instrument it must also be done with intent to gain or cause another to loose. In our case, the second part is not present.
I have not told my bank about my son signing my cheques as yes I am fairly sure they would object, however, as I said I have told them both on the phone and in emails about one of my cards being used in Phil by a relative. I even used this as part of my complaint when they stopped Cash Cards being used abroad to draw cash from ATMs. No problem arose.
RE the law.
I really did not what to explain the law. However, very simply :
Section 1 of the Fraud Act 2001:-
In each case, the Defendant's conduct must be dishonest and his intention must be to make a gain, or cause a loss or the risk of a loss to another.
My son signing my cheques may be considered dishonest as the bank are being deceived into thinking it is my signature, however, vitally the intention must be to make a gain.
Without both parts, there is no offence.
Under the Counterfeiting and Forgery Act 1981
The offence of forgery. A person is guilty of forgery if he makes a false instrument, with the intention that he or another shall use it to induce somebody to accept it as genuine, and by reason of so accepting it to do or not to do some act to his own or any other person’s prejudice.
Again, whilst the cheque would probably be a false instrument it must also be done with intent to gain or cause another to loose. In our case, the second part is not present.
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